📊 DEBT REDUCTION CALCULATOR — INCLUDES CHART Excel Template

📝 Overview:
This Debt Reduction Calculator is a strategic Excel tool for managing multiple debts using snowball, avalanche, or custom payoff orders. It tracks balances, interest, and payoff timelines—ideal for individuals planning debt freedom, financial coaches, and budgeting consultants.

✔️ What’s Included:
• 1 x Excel spreadsheet (.xlsx)
• Creditor table with balances, rates, and payment logic
• Built-in strategies: Avalanche, Snowball, Custom (Highest/Lowest First)
• Auto-calculated interest, payoff dates, and monthly allocation
• Payment schedule and order-of-operations worksheets

🎯 Perfect For:
• Individuals managing multiple debts
• Financial advisors and debt reduction coaches
• Personal finance educators
• Consultants offering budgeting or credit repair services

⚙️ Features:
• Supports multiple payoff strategies with custom ranking logic
• Calculates total interest paid and months to pay off each debt
• Includes interest-only thresholds and “no snowball” mode
• Excel-native formatting—no macros or plugins required
• Reusable across scenarios with adjustable payment plans

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